Petplan Pet InsuranceReviews of gopetplan.com

I don't know why this company got 5 stars??? I have been with them over 2 years, recently my pet got urine blockage and spent $7000 but this company refused the claims because we didn't do check up every year as the reason they told which I didn't get any mentioned before as their term and policy (Hidden clause). I told them even we do check up every year won't find out urine blockage which happened as emergency and we insured over 2 years. but they still refuse to pay . I think they only want collect money won't want to pay. STAY AWAY

Their phone staff is either poorly trained or dishonest. I hope the former. I asked what do you pay after meeting the deductible? I was told 80? Of everything else. The correct answer is " after meeting the deductible for each illness or occurrence " we pay 80%. So I rushed to have some growths removed before the end of the year when my dog was still recovering from an allergic reaction to some medication..Because of this misinformation, I rushed to have growths removed that turned out to be malignant before the end of the year while he was still recovering from an allergic reaction to meds. It could have waited three weeks. Do not rely on anything they tell you. Read ALL the writing. BUT you can't even rely on that... My renewal letter said my premium would be $ 644.00 but they charged my credit card $210.00 which makes my premium $820.00. When I called they said their March 8th letter to me was wrong so they charged me the right amount because they made an error and my premium should have gone up. I am stuck with these disreputable people now because we now know that what my dog has been struggling with since the beginning of December is Valley Fever. I am waiting to see how they try to deny the claim. So is my Vet. So be careful with these people. I was cautioned early on by by a tech at a different vet's office about their unwillingness to pay claims. We will see this coming year. Last year they disallowed some and really hiked up my premiums so just ck with some vets.

We had PetPlan for 5 years for 2 dogs. I canceled a few weeks ago due to billing issues as the rep did not explain to me what was happening. It got really expensive and very quickly. It's my mistake I should of waited and talked to someone else. I technically did not even have lapse in coverage and when I tried to go and set it strait, my policy is already fully gone and I have to enroll my pets from scratch, nothing will be covered at this point after 5 years as everything is pre-existing. Thankfully we did not really use our policy, it was just always there if needed. Its very disappointing that there is no 30 day or anything especially for loyal customers who gave them countless referrals. Oh well.

I signed my two year old dog up for Pet Plan and requested a medical review. She had a fracture in her leg as a puppy when I got her from the humane society, and has not been to the vet for a single illness or problem in the past two years. Because she had SLIGHTLY less muscle mass in the leg which was broken, this is the list of exclusions they put on my policy. This basically means they cover nothing on the dog, so I am cancelling my policy. Go with another pet insurance company who doesn't significantly raise their rates and actually covers your dog's issues. This list is insane, really, renal (kidney) disease or an infection the dog has is related to a broken leg from two years ago? Clearly a veterinarian did NOT complete a medical review, because no vet would agree with these exclusions. This exclusion includes, but is not limited to, related therapies and diagnostics, recurrence or progression of abnormal left hind limb finding, any condition related to, resulting from, and/or caused by abnormal left hind limb finding, and any underlying cause for abnormal left hind limb finding such as metabolic disorders, gastrointestinal disease, renal disease, endocrine disorders, neurologic disease, spinal conditions, joint disease or dysplasia, orthopedic disease, or infection.

We have just had our renewal notice and having been loyal members with no claims for 3 years, our premiums have been increased by 108%. When I called for an explanation, I spoke to a gentlemen who was uninterested to say the least, and confirmed my suspicions that the company has had ALOT of people cancelling their policies of late. Fortunately, I am in the position where my husband and I have a very healthy dog who will have no problems changing insurance policies and moving to another company, however………as I said working in the insurance industry I fully understand the concept of pre-existing conditions. Therefore, I feel sorry for the people who are trapped by the decision either to pay 100%+ more for their premiums, or to cancel. I work in the life insurance industry myself as a financial adviser, and therefore understand the concept of premium pricing and risk, and have NEVER seen anything like this, even in the medical insurance industry, which is renowned for significant premium increases with enhances in medical technology. I am absolutely appauled by the treatment we have received from this company

Three words - Bad Faith Insurer *** Moving this to the top since it is important - To everyone that has had issues dealing with Petplan - I know not everyone is in a position to bring legal action but at the very least file a complaint with your state's insurance commission and get these misdeeds on the official record. Bad faith in the insurance world is a big deal and these companies need to be held accountable *** I am in the insurance business and please do yourself a favor and run as far away from this company as you can if you do not have your own legal team behind you. I fortunately have that benefit being in the industry myself and the hassle is still not worth it. I read insurance policies for a living and understand how the industry works, apparently a type of person Petplan needs to hire more of. They do not communicate with you despite numerous calls and emails. If by some chance you do get someone they say they will be in contact in a couple of days only for weeks to go by, Once they finally do get around to denying the claim they claim phantom pre-exisitng conditions that leave my dog's veterinary team scratching their head's in disbelief. They refuse to supply any support or backup for their decisions they just tell you that you can appeal(after several weeks of ignoring your communication). At one point their own representative called the process an "administrative calamity" but it doesn't matter in that they do not stand behind their policies anyway and basically say go ahead and sue us because they know most people will not take the time, money or effort to do so. So again unless you have a team of insurance lawyers behind you as I do then do not even consider Petplan as your pet's insurer. Extremely disappointing to have been a customer of such a horrible company for over 10 years. Find another pet insurer or throw the money in a shoe box you will be better off in the long run.

Terrible customer service from PetPlan - don't advise when claims are rejected. Then won't work with you to let you know what information is required around the claim to be processed. There are plenty of other pet insurance companies to choose from now.

If you’re thinking about using Petplan…STEER CLEAR. If your experience is anything like mine, you’ll faithfully pay your premiums only to be denied when you submit your claim. Here’s my story: My dog had surgery, which was around $1,000. I told Petplan before the surgery the name of the clinic and the date that my dog (Champ) was having surgery. After about a month, I didn’t hear anything from Petplan, so I called them to see what was going on. They told me that I needed to contact the clinic and request the records. I thought it was strange that they didn’t do that themselves or inform me that they need additional information. So I thought, no big deal. Maybe it was an oversight. So, I called the clinic and asked them to send the records to Petplan. When I called Petplan back to ensure that they had received Champ’s surgery records, I was then told that they would need his medical records for the past two years. Once again, that was something I felt Petplan should be requesting, not me. So I had to take more time out of my schedule to call the clinic again and request the additional records. I made sure that the clinic had sent the records to Petplan. After going several days without hearing anything from Petplan, I called them again. At that point, I learned that Petplan had denied my claim because of “pre-existing” conditions. I looked through the records and the “pre-existing” conditions that they claim were not anywhere to be found. The reason I purchased the policy was to protect Champ from any medical issues that might arise. However, the exact opposite happened. Petplan has not only asserted that they will not cover Champ’s surgery, but they have also given me the run-around throughout the process. I wasted my time following up and collecting medical records. And I wasted my money by paying premiums, only to be denied. So I have a $1,000 surgery that not covered and I’m further in the hole for the hundreds of dollars I paid to Petplan. I cancelled my Petplan “insurance policy” that day. I would advise anyone that’s reading this to NEVER use Petplan. I don’t want you to go through the same experience that I had.